Apply online in minutes without affecting your traditional credit score§
Receive an immediate decision**
Get money the next business day*
If you’re facing financial difficulty due to an unplanned expense, an online payday loan might be the solution you need to keep you going. Whether it’s a medical bill or a home repair, some emergencies can’t wait until payday — a loan from CashNetUSA might be able to help bridge the gap.
CashNetUSA makes lending convenient, and we’re ready to help anytime and anywhere. From Providence to Cranston, we provide payday loans across the entire state of Rhode Island. Apply online, receive a fast lending decision and get the cash you need, sometimes as soon as the next business day.*
In Rhode Island, the maximum loan amount for approved customers is $1,500 or 20% of gross monthly income, whichever is less, depending on application details. If you are approved, your loan will usually be due on your next payday. If your next payday is less than 8 or more than 35 days away from when you get your loan, your repayment will be due in 14 days. Loan fees are $25 per $100 borrowed.
More detailed repayment information is available on our Rates & Terms page. Be sure to review this information closely before making a decision — a payday loan is a serious commitment.
We’ve made the application process as stress-free as possible. First, make sure you meet our basic requirements:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
As long as you meet these requirements, we can process your application.
For payday loan applications in Rhode Island, we also require a pay stub on file — your stub can be emailed or faxed. If you don’t receive income from an employer, we’ll need proof of your Social Security, disability, child support or alimony payments.
If you have less-than-perfect credit, we still might be able to help you.† We understand that a single number doesn’t summarize your entire financial history. We base our decision on information about you, your job and your finances, along with information from national financial databases like Clarity.
CashNetUSA is committed to transparency, convenience and customer service. You can learn more about our company and read customer feedback on our About Us page.